Bendigo Bank (loans): verified facts and rating
Licensed since: 1858 Checked 2026-10-30
Score breakdown
98% backed by facts · How we rank
Bendigo Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference81%158%158% · median 100%
Support hours a week60 h87 h87 h · median 69 h
Longest term84 mo120 mo84 mo · median 84 mo
Bendigo Bank (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1858 Since 1858, Bendigo Bank has been dedicated to helping Australian communities thrive. | bendigobank.com.au | 2026-10-30 |
| Licensed by the regulator | Yes Bendigo and Adelaide Bank Limited (AFSL / Australian Credit Licence 237879 per bendigobank.com.au) | apra.gov.au | 2026-10-30 |
| Published rate, % of country reference | 158% Unsecured Personal Loan fixed 14.54% p.a., comparison rate 16.64% p.a.; for unsecured personal loans the loan amount is $10,000 with a term of 3 years (not $30,000 over 5 years) · APR 16.64% · index 100 = 10.53% (median at launch) | bendigobank.com.au | 2026-10-30 |
| Free early repayment | No Early Repayment Fee: charged if the loan is paid out before the original term. $20 | bendigobank.com.au | 2026-10-30 |
| No arrangement fee | No Application Fee: incurred when you apply for a new loan. $150 | bendigobank.com.au | 2026-10-30 |
| Fees or terms published | Yes Lending fees and charges (PDF), section Personal Loans | bendigobank.com.au | 2026-10-30 |
| Complaints procedure | Yes Make a complaint; complaints guide provides information on how to make a complaint | bendigobank.com.au | 2026-10-30 |
| Online application for new customers | Yes Applying online is quick and easy; Apply online or contact us | bendigobank.com.au | 2026-10-30 |
| Support hours a week | 87 h For general enquiries call 1300 236 344. Monday to Friday - 8am to 9pm AEST/AEDT; Weekends and some public holidays - 9am to 8pm AEST/AEDT | bendigobank.com.au | 2026-10-30 |
| Maximum amount, % of country reference | Not verified | — | |
| Longest term | 84 mo Loan terms between 1 and 7 years. | bendigobank.com.au | 2026-10-30 |